Thursday, May 31, 2012

Bad News: Credit Card Debt is Down

The average American credit card debt is down almost $ 2,000 from two years ago. This is a bad thing.In the recent study, Nerd Wallet found the average credit card debt per indebted household to have decreased from $ 16,383 in March 2010 $ 14,517 March 2012. The average credit card debt for all households fell from $ 7,219 to $ 6,772.One may be inclined to believe that Americans control their finances and whipped into shape. The reality of the situation is much grimmer. In 2010, credit card companies wrote seriously delinquent debts, with a huge amount of money bad. America's credit card debt has fallen. The cost-off rate, which is the percentage of the dollars that are classified uncollectable, rose to 10.7% a 300% increase compared to 2006.After losing a huge number of payments, credit card companies began to exercise discernment smarter in providing financial products. With credit harder to obtain average debt continued to fall.So no. A decrease in credit card debt does not indicate increased financial literacy, an improving labor market or smarter spending habits. It means that the situation was beyond repair and requires an artificial reduction.How did we get here?Like the subprime mortgage crisis, this credit bubble grew from easy access to unsustainable financial products. Poor risk assessment referred to people who probably have not had large credit limits were accepted for new cards left and right. Interest rates were low, and people were free to live far beyond their means.Add a global financial crisis to the mix and you have a recipe for disaster. Without work, paying down debt was a pipe dream for many.It is noteworthy that while the average credit card debt has decreased since 2010, the number of households increased 3.5% due. Credit card companies wrote only seriously delinquent accounts, which meant forgiving a large sum of debt in a relatively small number of households. As a nation, a greater percentage of us are in debt today than in 2010.


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MEDIA MENTION NEWS

Wednesday, May 30, 2012

Bad News: Credit Card Debt is Down

The average American credit card debt is down almost $ 2,000 from two years ago. This is a bad thing.
In the recent study, Nerd Wallet found the average credit card debt per indebted household to have decreased from $ 16,383 in March 2010 $ 14,517 March 2012. The average credit card debt for all households fell from $ 7,219 to $ 6,772.
One may be inclined to believe that Americans control their finances and whipped into shape. The reality of the situation is much grimmer. In 2010, credit card companies wrote seriously delinquent debts, with a huge amount of money bad. America's credit card debt has fallen. The cost-off rate, which is the percentage of the dollars that are classified uncollectable, rose to 10.7% a 300% increase compared to 2006.
After losing a huge number of payments, credit card companies began to exercise discernment smarter in providing financial products. With credit harder to obtain average debt continued to fall.
So no. A decrease in credit card debt does not indicate increased financial literacy, an improving labor market or smarter spending habits. It means that the situation was beyond repair and requires an artificial reduction.How did we get here?
Like the subprime mortgage crisis, this credit bubble grew from easy access to unsustainable financial products. Poor risk assessment referred to people who probably have not had large credit limits were accepted for new cards left and right. Interest rates were low, and people were free to live far beyond their means.
Add a global financial crisis to the mix and you have a recipe for disaster. Without work, paying down debt was a pipe dream for many.
It is noteworthy that while the average credit card debt has decreased since 2010, the number of households increased 3.5% due. Credit card companies wrote only seriously delinquent accounts, which meant forgiving a large sum of debt in a relatively small number of households. As a nation, a greater percentage of us are in debt today than in 2010.



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Monday, May 14, 2012

Private banks upbeat on credit growth

The private sector banks are more confident of their prospects in 2012-13 than their public sector counterparts, which are beset by rising bad loans and restructuring of assets.
HDFC Bank Ltd., ICICI Bank Ltd and Axis Bank Ltd. expected to pay loans at a faster clip than the Reserve Bank of India (RBI) 17% loan growth target, mostly on private demand, as corporate borrowers such as infrastructure and related businesses can see a slowdown this year.
ICICI Bank, India's largest private sector lender, expects 20% loan growth this year mainly due to private demand for homes and cars.
"We follow a balanced growth strategy, but next year we expect retail capacity to grow faster than they did in 2011-12 (8%). We also expect that the demand for loans for working capital and project finance," managing director and chief executive Chanda Kochhar said.
Nearest private sector rival ICICI Bank, HDFC is confident that it will grow 3-5% above the RBI's target for 2012-13.
"Both business and private will grow because a large part of working capital and related demand for loans will come. We expect a pickup in capital spending," said Paresh Sukthankar, executive director, HDFC Bank. "In retail, we saw some unusual growth last year, but this year we expect the growth of the industry and, depending on economic growth, a portion of the credit will shift to retail businesses."
Large public sector banks expect slower growth in lending.
IDBI Bank Ltd. has a loan growth target of 15%. Larger colleagues Bank of Baroda (BOB), Punjab National Bank (PNB) and Bank of India expects loans to grow by 18-19%.
State Bank of India, the country's largest lender, announced the results on Friday.
Public banks, will also depend on the demand from individuals to achieve their credit growth targets this year.
MD Mallya, chairman and managing director, BoB, said his bank's focus this year is to see that asset-liability management and credit control remain robust. "
The bank will "loan growth to reach at 1-2% above the average banking," he said.
The heads of Dena Bank, Union Bank of India and the Central Bank of India is also expected that the demand for loans will be driven by individuals.



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Friday, May 11, 2012

Good Credit vs. Bad Credit: the basics

Credit concerns the most important buying decisions in our lives, such as, for example, purchasing a car, a mortgage, applying for a credit card and pretty much any other type of financial purchase you make as an adult. Your ratings will ultimately impact on various aspects of daily life, many have considered that you might not ever.
For example, credit to be a determining factor when applying for a new job than many modern employers look at your credit in order to work through your personal judgments additional level of responsibility and personal references, especially if the situation in the financial sector.
It may also be important when applying to rent a new house or an apartment, because many brokers looking for a loan in order to assess whether you are likely to be a reliable tenant is to be executed. They find it increasingly difficult to find a good object in a desired range, if you have a bad credit history.
To build a positive credit record, you must pay all the loans on time, whether it's bills, loans, credit cards, cell phone bills and or other financial commitments. If you make a purchase with your credit card, you enter into an agreement to pay off your loan provider back in full if you take your statement to make (generally every 21 to 29 days).
As long as you pay on time, the credit reporting agency information that you have paid as agreed and your credit rating will benefit accordingly. If you have a positive credit history you will find it easier to obtain future credit at a lower interest rate, mainly because the lender classes you as a responsible borrower and a lower risk.
Bad credit, on the other side has the opposite effect in all respects and any financial obligation, you may want to interfere in force. It is relatively easy to get to build a bad credit history, and it can have various effects on your life. They are not necessarily a bad credit rating obtained by a late payment, but if you are always late or you did not pay, then your credit rating will be affected.
This will be a problem if you need more credit in the future. Simply put, bad credit stop you doing what you want in your life and can open doors that otherwise be open to you would include in particular with respect to financial participation, employment and leases.
It is possible if you improve your credit rating. Bad credit can be converted into good credit, if you can make regular payments over a longer period of time. The first thing you should do, contact a credit reporting agency, such as Experian or Equifax to make a copy of your credit report, which often get for free. You can then use this information to plan how to improve your credit rating by making payments on time.




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